ACH Payments
The ACH Payments API enables you to seamlessly integrate Automated Clearing House (ACH) payment capabilities into your applications and workflows. This service supports both credit and debit transactions, allowing businesses to move funds securely and efficiently between accounts.
The ACH Payments API capabilites include:
- Transfer funds from your business account to a creditor or beneficiary (for example, vendor payouts or employee disbursements).
- Collect funds from a payer or debtor’s account (for example, customer billing or recurring subscriptions).
- Retrieve the current status of an ACH transaction (credit or debit) using a unique payment identifier.
The API handles the full transaction lifecycle, from validation to execution, by interfacing directly with API People’s ACH processing system. It ensures that all requests are properly verified before being submitted for clearing.
When to Use
The ACH Payments API should be used when you want to:
- Automate bulk vendor payments or payroll disbursements
- Enable direct-debit billing for customer accounts
- Monitor ACH transaction outcomes for reconciliation and reporting
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All transactions are validated and securely routed through API People’s ACH infrastructure, ensuring compliance, reliability, and traceability.